Storm season is coming. Are you prepared?
Over the last few years, the storms see to be intensifying across the country, causing increasing degrees of property damage each year. While severe storms do occur from time to…
body corporate insurance
Claiming for damage to fitted carpets
Permanently fitted carpets are insured as part of an insured building. This means that it is insured against damage caused by sudden and unforeseen flooding events such as burst pips,…
How to deal with insurance claims including multiple community scheme sections simultaneously
Several insured perils or risks cause damage to multiple sections of a community scheme simultaneously when they occur. These perils most commonly comprise storm, wind, rain and water. With this…
How to efficiently resolve building damage claims
Insurers typically assess insurance claims for damage to buildings based on information provided in the claim form and other supporting documentation. If this information is unclear, vague or ambiguous, questions…
The untold value of a community schemes insurance specialist
[Updated 29 April 2025] Many insurance advisors are licensed to provide intermediary services and advice to community schemes, but only a handful have the experience, knowledge and resources to properly…
Contractors risk insurance: Dealing with building works on property
Most insurance policies that provide cover for damage to buildings specifically exclude damages caused by contractors on site. This means that the moment any tool is lifted to attend to…
Do you have sufficient geyser insurance?
In October 2018, the revised national building regulations relating to minimum requirements for geyser installations were implemented. Following this, we have found instances where clients are experiencing some complications in…
Water storage tanks for rainwater harvesting
A common question that often arises around the issue of water tanks are: “Are water storage tanks covered by the body corporate or home owners’ association buildings insurance policy and…
Retaining walls and insurance
What is a retaining wall? A retaining wall is any wall that holds back soil or other material on one side of the wall, i.e., where the ground or surface…
The risky season
It is around this time of year that we start reminding trustees and owners to take care around common property. We published a blog last year on festive season risk,…